3644 N HIAWATHA TERRACE, Crystal River, FL 34428

• 3 beds |
• 2 baths |
• 1,680 sqft

Property Description

Crystal River WATERFRONT CANAL HOME with PERSONAL DOCK + ~$82K GROSS INCOME + DIRECT GULF ACCESS A rare opportunity to own a top-performing waterfront property in one of Crystal River’s most established boating communities, combining strong income, direct water access, and a clean, turnkey ownership experience. Now operating in its fully updated condition, the home has produced approximately $82,000 in gross rental income over the past 12 months (March 2025–March 2026), offering proven, stabilized performance while still allowing for personal use. Positioned on a quiet canal with direct access to Kings Bay, Three Sisters Springs, and the Gulf of Mexico, the property delivers the lifestyle guests consistently seek. The dock provides immediate boating access, making fishing, scalloping, kayaking, and sunset cruising part of everyday ownership. Kayaks convey, reinforcing a true on-the-water experience. Inside, the home presents as clean, comfortable, and guest-ready, with a functional 3-bedroom, 2-bath layout designed to support both personal enjoyment and strong occupancy. The kitchen features granite countertops, modern appliances, and an efficient layout great for entertaining and everyday use. Major system updates have already been completed, including full repipe, updated AC, water heater, plumbing, and sewer connection, offering buyers confidence in the home’s infrastructure and reducing near-term capital expense risk. Located just minutes from historic downtown Crystal River, waterfront dining, shopping, and the area’s world-renowned springs, the property is ideally positioned to continue attracting short-term rental demand. Whether you're seeking a high-performing short-term rental, a waterfront second home with income potential, or a long-term investment, this property offers a compelling combination of strong revenue, essential updates, and direct Gulf access. High-income waterfront opportunities like this are increasingly rare in Crystal River.

Listing Status:

Active

Date Added:

February 3, 2026

Data Last Updated:

May 18, 2026 at 5:21AM

Listing Office:

PLANTATION REALTY, INC. : 352-795-0784

Listing Agent:

Lisa VanDeBoe : 352-634-0129

MLS ID:

TB8472132

Interior

• General: Ceiling Fans(s)Eat-in KitchenHigh CeilingsPrimaryBedroom UpstairsStone CountersThermostatWalk-In Closet(s)
• Appliances: Convection OvenDishwasherMicrowaveRefrigerator
• Laundry: In Garage
• Flooring: Ceramic TileLuxury Vinyl
• A/C: Central Air
• Heating: Heat Pump
• Fireplace: Living RoomWood BurningFireplace

Exterior

• General: Fire PitLightingPrivate Mailbox
• Style: Traditional
• Other Structures: Front PorchRear PorchScreenedCovered

Construction

• Roofing: Metal
• General: FrameWood SidingTwoSlab

Location

• Road/Access: Paved
• Originating MLS: Stellar MLS
• County: Citrus

Lot

• Zoning: CLRINDIAN WATERS UNIT 2 PB 4 PG 71 LOT 35 BLK D17E-18S-17-0220-000D0-0350
• View: Water
• Fencing: Fenced

Utilities

• Utilities: Cable ConnectedElectricity ConnectedPublicSewer ConnectedWater Connected
• Water: Public
• Sewer: Public Sewer

Financial

• Source: Stellar MLS
• Ownership: Fee Simple